Free
Everything you need to budget from payday to payday.
€0
Free forever
- Unlimited budgeting periods
- Unlimited transactions of all five types
- Fixed cost manager with monthly equivalents
- Custom categories and colours
Budget from payday to payday
Budgeteer follows your paycheck, not the calendar. Plan each period, see where every euro goes, and watch your savings and net worth grow in one calm place.
- Free plan, no time limit
- No bank connection needed
- Works on any device
app.mybudgeteer.net/dashboard
- Payday-based budgeting periods
- 5 transaction types
- Monthly-equivalent fixed costs
- Transaction-linked saving goals
- No bank credentials needed
- Full data export, anytime
- Custom, colour-coded categories
- Phone, tablet and desktop
Why Budgeteer
Calendar months don't match your life
Most budgeting tools force your money into neat monthly boxes. Your paycheck, bills and plans don't work that way, so Budgeteer doesn't either.
The usual way
- Paid on the 25th, but your budget resets on the 1st
- Annual insurance and yearly subscriptions ambush you
- Savings are whatever happens to be left over
- Spreadsheets break the moment life gets messy
With Budgeteer
- Periods start the day your income lands and end when the next one does
- Every recurring cost is spread into a clear monthly equivalent
- Saving goals fill up from real transactions, with a nudge before payday
- Inline editing with structure, filters and charts built in
Product tour
Everything your money needs. Nothing it doesn't.
From the first expense of the period to the equity in your home, Budgeteer keeps it connected.
A period starts when your income lands, not on the first of the month. Set a spending budget, watch what's left, and start the next period when you get paid again.
app.mybudgeteer.net/budgets/october-2026
Features
Small details that change how you handle money
Budgeteer is full of thoughtful touches that turn tracking into understanding.
See where every euro goes
A cash-flow waterfall takes you from income to what's left, one type of spending at a time. Click any bar to see the transactions behind it.
Nudges at the right moment
Budgeteer notices when income, first expenses or savings are missing, and suggests the next step.
Needs, maybes and wants
Tag every expense by necessity and see how much of your spending was really needed.
Your true cost of living
Quarterly and yearly bills become monthly equivalents, so fixed costs never surprise you.
Extra income, extra budget
Mark a side job or second-hand sale as a top-up and it's added straight to your spending budget.
Categories that speak your language
Create your own colour-coded categories for expenses, income and savings.
Watch your net worth grow
Record snapshots of savings, investments and property equity, and see the long-term trend take shape.
How it works
A rhythm you can keep up
Three simple steps, repeated every payday. No setup marathons, no rigid rules.
- 1
Start a period on payday
Enter your income and Budgeteer opens a new budgeting period with your default budget and fixed costs ready.
- 2
Log or import as you go
Add expenses in seconds on your phone, or upload a bank statement and approve each transaction.
- 3
Review, adjust, save
Follow what's left, spot where the money went, and move the rest toward your goals before the next payday.
Analytics
Every chart is a doorway
Budgeteer's charts don't just summarise. Click a bar, a slice or a day to open the exact transactions behind it, filtered and ready to edit.
- Cumulative spending against your budget line
- Fixed, life and variable expenses side by side
- Filters for category, necessity, dates and top-ups apply everywhere
Cumulative spending
Day 21 of 30
Expenses
Fixed, life and variable split
Total€2,527
Fixed€1,428.19
Life€486.25
Variable€612.40
Income vs expenses
Monthly movement by transaction type
IncomeFixedLifeVariableSaving
€0€1,000€2,000€3,000€4,000
MayJunJulAugSepOct
IncomeFixedLifeVariableSaving
Mobile
Log it the moment you spend it
The whole app works on your phone. Adding an expense at the checkout takes a few taps, so your budget is always up to date.
- Touch-friendly forms that jump to the next field
- Your remaining budget, one glance away
- Nothing to install, it runs in your browser
Wealth
From monthly budget to net worth
Budgeting is only half the story. Track property value, mortgage repayments and investments to see the wealth you're building over the years.
- Dated net worth snapshots with custom categories
- Property equity from appreciation and mortgage balance
- Year-to-date change and your largest asset at a glance
app.mybudgeteer.net/wealth
Monthly recap
A summary waiting when each period closes
When you start a new period, Budgeteer can email you a recap of the one you just finished, so you can review your month without logging in.
- Income, spending and savings at a glance
- Your top categories for the period
- Opt-in, and easy to turn off
From Budgeteer <[email protected]>
Subject Your September 2026 summary
Budgeteer
September 2026 wrapped up
Your budget closed with €334 left and €600 moved into savings.
Income
€3,450
Spent
€2,511
Saved
€600
Budget left€334
Top categories
Dining out
€148
Gaming
€130
Events
€96
Open Budgeteer
Your data, your call
Built to be trusted with your money
Personal finance is personal. Budgeteer keeps you in control of what goes in and what comes out.
No bank credentials
Budgeteer never connects to your bank. Add transactions yourself or upload a statement file you downloaded.
Export everything
Download your complete history as structured JSON whenever you want, on every plan.
One account, your data
Every record is tied to your account and only visible to you. Sign in with Discord, no extra password to manage.
Emails only when you ask
Monthly summaries are strictly opt-in and easy to switch off again in settings.
Pricing
Start free. Upgrade when you want the full picture.
The Free plan covers everyday budgeting for as long as you like. Pro adds bank import, goals and wealth tracking.
Save 17%
Get started free
Pro
For people who want the full picture, from budget to net worth.
€4/month
Monthly billing
- Everything in Free
- Bank statement import with review flow
- Saving goals linked to transactions
- Real estate and mortgage tracking
Start your next budgeting period with Budgeteer
Free to start. No bank connection, no credit card. Just a clearer view of your money from one payday to the next.